期刊名称：JEPI (Jurnal Ekonomi dan Pembangunan Indonesia)
印刷版ISSN：1411-5212
电子版ISSN：2406-9280
出版年度：2015
卷号：16
期号：1
页码：1-14
DOI：10.21002/jepi.v16i1.457
出版社：Department of Economics
摘要：Collateral Effect to Bank Loan Probability for Microenterprises in West SumateraThis paper reveals that West Sumatera banking sector are more likely using the availability of collateral for the credit to micro, small and medium enterprises (MSME). Using 384 sample size from MSME in West Sumatera, if a MSME have enough collateral, the probability of their credit application to be rejected by banks will fall from 59.9% to 11.7% comparing to they don’t have enough collateral. This finding proved a credit guarantee scheme is needed, and for the further study it is recommended to conduct research on the characteristic of the potentials of MSME as a credit scoring model for banks.
关键词：Usaha Mikro Kecil dan Menengah; Kredit Perbankan; Model Regresi Logistik
其他关键词：Usaha Mikro Kecil dan Menengah;Kredit Perbankan;Model Regresi Logistik
